BlastPoint's Credit Union Scorecard
S. C. STATE
Charter #24824 · SC
S. C. STATE has 8 strengths but faces 2 concerns
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How does SC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 2.0% in tier
- + Emerging Performer: Top 7.9% in tier
- + Organic Growth Leader: Top 45.4% in tier
- + ROA 1.17% above tier average
- + Net Interest Margin 0.82% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.0% in tier
- + Net Worth Ratio: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.02% above tier average
- - Loan-to-Member Ratio (LMR): Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
93,958
+4.3% YoY+2.5% QoQ
|
-3.5K |
97,431
-2.4% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
56% |
| Assets |
$1.4B
+6.2% YoY+1.5% QoQ
|
$-301.2M |
$1.7B
+0.9% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$859.1M
+7.5% YoY+1.7% QoQ
|
$-375.3M |
$1.2B
+0.5% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
21% |
| Deposits |
$1.2B
+4.4% YoY+1.3% QoQ
|
$-265.0M |
$1.5B
+0.9% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
41% |
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| ROA |
1.9%
+10.5% YoY-6.5% QoQ
|
+1.2% |
0.7%
+20.9% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
Top 1.0% in tier |
| NIM |
4.1%
+4.9% YoY+0.9% QoQ
|
+0.8% |
3.3%
+9.2% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
Top 7.9% in tier |
| Efficiency Ratio |
54.9%
-0.9% YoY-0.3% QoQ
|
-19.1% |
74.1%
-9.5% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.0% in tier |
| Delinquency Rate |
0.9%
-7.0% YoY+12.2% QoQ
|
+0.0 |
0.9%
+6.2% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
65% |
| Loan To Share |
71.9%
+2.9% YoY+0.3% QoQ
|
-12.9% |
84.8%
-0.8% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$21,854
+1.3% YoY-1.0% QoQ
|
$-8K |
$29,428
+2.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.2% in tier |
| CD Concentration |
20.0%
+4.4% YoY-0.6% QoQ
|
-9.1% | 29.0% | 17.8% | 19.8% | Bottom 13.3% in tier |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 5.9% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)